We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 381196 results
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Decision Reference DRN-5110899
15 Aug 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5110899 The complaint Mr P complains that Revolut Ltd won’t refund money he lost when he fell victim to an investment scam. Mr P is being represented by solicitors in this complaint. What happened The full details of this complaint are well known to both parties and have been prev... (3 pages)View decision -
Decision Reference DRN-5710062
15 Aug 2025 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-5710062 The complaint Mr A complains that Clydesdale Bank Plc, trading as Virgin Money, unfairly recorded a default against his credit file and passed his debt to a debt collection agency. What happened Mr A holds a credit card account with Virgin Money. Mr A found himself without ... (4 pages)View decision -
Decision Reference DRN-5371048
15 Aug 2025 The Co-operative Bank Plc Not upheldBanking and PaymentsDRN-5371048 The complaint Ms E complains The Co-operative Bank Plc unfairly blocked and closed her accounts. What happened The facts of the complaint are well known to both parties, so I will only provide a summary of the key points. In early July 2024 two cash deposits were made to M... (4 pages)View decision -
Decision Reference DRN-5303141
15 Aug 2025 PayPal UK Ltd Not upheldBanking and PaymentsDRN-5303141 The complaint Mr W complains PayPal UK Ltd (“PayPal”) hasn’t offered him a refund after he complained about being the victim of an investment scam. What happened The circumstances surrounding this complaint are well-known to both parties, so I won’t repeat them in detail aga... (3 pages)View decision -
Decision Reference DRN-5746005
15 Aug 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5746005 The complaint Ms W complained about: • actions taken by Santander UK Plc when it blocked a payment she wanted to make and suspended her digital banking access until she completed further security checks, and • poor service issues following this. To put things right Ms W w... (5 pages)View decision -
Decision Reference DRN-5366772
15 Aug 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5366772 The complaint Mr P complains that HSBC UK Bank Plc did not reimburse the £400 he lost to a scam. What happened Mr P was looking for a computer tablet for his daughter, and found one for sale on an online marketplace for £450. He contacted the seller and made an offer of £400... (2 pages)View decision -
Decision Reference DRN-5665770
15 Aug 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5665770 The complaint Mr N complains about the administration of his credit card account by HSBC UK Bank Plc. What happened Mr N holds a credit card account with HSBC; he’s unhappy about the information it’s recorded on his credit file. In summary, by recording incorrect adverse in... (4 pages)View decision -
Decision Reference DRN-5188749
15 Aug 2025 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5188749 The complaint Mr G complains that HSBC UK Bank Plc did not reimburse the funds he lost to a scam. What happened Mr G says he found an advert on social media for an investment opportunity. He looked it up and was told the users were making lots of money, so he registered. He ... (3 pages)View decision -
Decision Reference DRN-4624019
15 Aug 2025 First Holiday Finance Ltd UpheldConsumer CreditDRN-4624019 The complaint Mr K and Ms L’s complaint is, in essence, that First Holiday Finance Ltd (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with them under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and... (16 pages)View decision -
Decision Reference DRN-5285455
15 Aug 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5285455 The complaint Miss G complains that Bank of Scotland Plc (trading as Halifax) did not reimburse the funds she lost to a scam. What happened Miss G met an individual I will refer to as ‘X’ on an online dating website. They began talking outside of the dating app, both on mess... (3 pages)View decision
